BlastPoint's Banking Scorecard

Park State Bank & Trust

$100M-$1B Specialty: Commercial CO FDIC cert 19381

Woodland Park, CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Park State Bank & Trust has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.60% above tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 14.8% in tier
- Credit Quality Pressure: Bottom 30.6% in tier
- Liquidity Overhang: Bottom 46.1% in tier
- Efficiency Ratio 11.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$158.8M +12.7% YoY -1.7% QoQ	-$227.3M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$107.1M -0.9% YoY +0.9% QoQ	-$148.6M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$142.4M +12.9% YoY -1.6% QoQ	-$185.6M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.09% -35.4% YoY -18.6% QoQ	-0.18%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	4.53% -9.4% YoY -6.6% QoQ	+0.60%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	76.74% +9.7% YoY +4.3% QoQ	+11.45%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	0.23% +351.5% QoQ	-0.66%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	75.21% -12.2% YoY +2.5% QoQ	-1.43%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	14.39% -9.8% YoY -2.8% QoQ	-7.63%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.84% +7.7% YoY +18.8% QoQ	+0.20%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	19.36% +3.9% YoY +0.9% QoQ	+3.53%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	Top 14.9% in tier
Non-Interest Income / Assets ?	0.22% -3.7% YoY -74.7% QoQ	-0.06%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	Top 11.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Margin Compression

decline

#46 of 305 • Bottom 14.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.09%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#401 of 1308 • Bottom 30.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#342 of 739 • Bottom 46.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.36%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 75.21%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

317

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#317 of 2664 Top 11.9% in $100M-$1B

397

Tier 1 Capital Ratio

capital

Value: 19.36%

Peer Median: 15.83%

#397 of 2664 Top 14.9% in $100M-$1B

452

Net Interest Margin

profitability

Value: 4.53%

Peer Median: 3.93%

#452 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (6 metrics)

2212

Total Assets

size

Value: $158.78M

Peer Median: $386.08M

#2212 of 2664 Bottom 17.0% in $100M-$1B

2164

Total Deposits

size

Value: $142.39M

Peer Median: $327.97M

#2164 of 2664 Bottom 18.8% in $100M-$1B

2140

Efficiency Ratio

profitability

Value: 76.74%

Peer Median: 65.29%

#2140 of 2664 Bottom 19.7% in $100M-$1B

2084

Total Loans

size

Value: $107.09M

Peer Median: $255.72M

#2084 of 2664 Bottom 21.8% in $100M-$1B

2083

Non-Interest-Bearing Deposit Share

funding

Value: 14.39%

Peer Median: 22.02%

#2083 of 2664 Bottom 21.8% in $100M-$1B

2020

Nonperforming Asset Ratio

credit_quality

Value: 0.84%

Peer Median: 0.64%

#2020 of 2664 Bottom 24.2% in $100M-$1B